@Yesitsme7 wrote:
Hello,
I filed BK Jan 2020, discharge 5/2020. I currently have 2 CCs (Navy Fed and Cap 1) with both have limits over $3000.
I applied for a CLI with Cap 1 and was only give $500 (no credit pull). A few days later, I applied for a Cap 1 card that the website said I pre-qualified for. They asked for proof of income. I sent pay stubs. They declined my application because my check stubs were not sufficient enough for them. I asked if I could send my bank statements but they told me my application was closed and to reapply.
Should I reapply using my bank statements and consider the hard pulls I just took as "pulls for the CLI I got" or just leave things alone?
If it were me, I wouldn't do it. Usually when lenders decline you for some reason, they stick to it no matter what you do. You have a $3K limit, which means it's not a toy card and you can grow it over time. I don't think they will approve you no matterr what you send them and I would not take another triple pull from them. You should apply with Penfed or some other lenders that will give you high limits. Then after you have those high limits established, if there is a C1 card that you really want (enough to pay with a triple pull), then go back for it. Higher limits beget higher limits. I can't imagine which of their cards you would want. Good luck.
